SPRINGS VALLEY BANK & TRUST COMPANY

FRENCH LICK, IN | Medium | Est. Jan. 1, 1902, midnight | FDIC #4419 | RSSD #93543 | FDIC
Latest Report: 2025-12-31

SPRINGS VALLEY BANK & TRUST COMPANY is amn medium FDIC-insured commercial bank headquartered in FRENCH LICK, IN, established in Jan. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $644M and total deposits of $564M. Profitability stands at 1.25% ROA and 11.23% ROE, with a net interest margin of 3.84%. The bank's CET1 capital ratio is 13.73%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.12% and a Texas Ratio of 0.80%. FDIC Certificate #4419.

Assets

$644M

Deposits

$564M

Loans

$494M

Equity

$73M

Profitability

Return on Assets (ROA) 1.25%
Return on Equity (ROE) 11.23%
Net Interest Margin (NIM) 3.84%
Yield on Assets 6.18%
Cost of Funds 2.46%

Asset Quality

NPL Ratio 0.12%
Net Charge-Off Ratio 0.09%
Texas Ratio 0.80%
NPA Ratio 0.10%
ACL / Loans 1.37%

Capital & Liquidity

CET1 Ratio 13.73%
Tier 1 Capital 13.73%
Total Capital Ratio 15.01%
Leverage Ratio 11.83%
Loan-to-Deposit 87.62%

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